Finance services
From fresh starts to finishing touches, bring your ideas to life.
0% interest-free payment plans with humm finance
You can order today and pay over a period of time. You can apply for finance on all IKEA products (except IKEA Food) and include your delivery, collection, assembly or kitchen installation.
- Minimum spend of €99
- Maximum of €15,000 per agreement
- Flexible repayment terms
Subject to late payment fees.
You can use your humm finance online or in-store when placing an order with a co-worker.
Amount Duration
Between €99 - €1,199 3 months
Between €99 - €2,999 6 months
Between €300 - €4,499 10 months
Between €600 - €4,499 20 months
Between €2,000 - €15,000 24 months
Between €3,000 - €15,000 36 months
Between €4,500 - €15,000 48 months
You will be redirected to our financial partner humm.
Warning: If you do not meet the repayments on your loan agreement your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a loan agreement in the future.
Your final monthly payment may be less than the amount shown. humm finance is available up to a maximum of €15,000 per agreement. The monthly payment amount shown above excludes any optional selected services. The cost of selected services (such as delivery and kitchen installation) can also be added to your finance application. Your finance application will exclude products purchased from the Swedish Restaurant, Swedish Bistro and Swedish Food Market.
Subject to credit assessment and approval. Terms and conditions (including restrictions) apply. humm is underwritten by FlexiFi Europe Limited, Company Number: 600124. FlexiFi Europe, trading as humm is regulated by the Central Bank of Ireland.
How it works
The quick and simple application process allows you to turn inspiration into reality, in no time at all. You will need to be able to apply and manage your account online.
Estimate
Create your shopping list. Remember to include any installation, delivery, collection or assembly services, if needed.
What you will need
To be 18 or over, have PPS number and address proof, a valid ID, to be an Irish resident, have a monthly income over €1500, a debit/credit card and a good credit history.
Apply
Complete the quick and easy application form on the humm website. You’ll know if you’re approved within minutes!
Shop
Once your application is approved, you will be able to finalise your purchase from the IKEA website.
Apply on the humm website
Spend your loan straightaway in store and online, manage your repayments and more.